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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,204 | $155,555-96.7% | $146,866-96.5% | $155,188-96.6% |
| Participation rate | 45.5% | 84.0%-38.5pp | 82.5%-37.1pp | 80.8%-35.3pp |
| Annual return | 23.28% | 115.41%-92.1pp | 102.85%-79.6pp | 148.84%-125.6pp |
| Employer contribution / active EE | $0 | $4,647-100.0% | $4,425-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $1,427 | $8,044-82.3% | $7,759-81.6% | $6,531-78.1% |
| Admin fee / account holder | $785 | $14,755-94.7% | $13,620-94.2% | $14,480-94.6% |